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Delhi
ramesh nagar
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in ramesh nagar

Ramesh Nagar is a bustling business cum private area in West Delhi. The territory is located on the Mahatma Gandhi Marg otherwise known as MG Marg, which makes it effectively connected from different parts of the city. The Ramesh Nagar Metro Station is arranged on the Blue Line of the Delhi Metro network serves the zone. The Delhi Transport Corporation or DTC transport offers extreme convenience to inhabitants. This area highlights markets, cafés, banks, business foundations, scholarly establishments, medical clinics, and other community courtesies. It is anything but difficult to avail gold loans in Ramesh Nagar for entrepreneurs and their commercial purposes.
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We offer the highest per gram rate on our gold loans.

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Today’s max loan value/gm ()
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Gold Loans at the privacy of your home

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What is an online gold loan?

An online gold loan is the most hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

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Frequently asked questions

Is a guarantor or introducer required for availing a gold loan? Do I need to open an account with a bank?

No. Most companies do not require a guarantor or introducer to avail of a gold loan in cityname. However, you will require a bank account in order to get the loan amount deposited and make gold loan repayments. A guarantor is required only in some cases when a borrower obtains an unsecured loan. For most gold loans in cityname, including Rupeek, there is no requirement of a guarantor. A bank account is mandatory, though, as it is to this account that the lender disburses the loan amount and the borrower has to make the gold loan repayment.

What are the benefits of a gold loan?

Gold loans require the borrower to pledge their gold against the loan. The value of this gold needs to be at least 30% more than the loan amount being availed. In case of an arrear or a failure to repay the loan, the lender assumes full and permanent ownership of the collateral. Owing to this, availing an online gold loan comes with a lot of benefits that include but arent limited to:

1) Speedy Disbursal

2) High LTV (LOan-Value Ratio)

3) Low-Interest Rates

4) Minimal Documentation

5) Relaxed Eligibility Criteria

6) Waived Processing Fee

7) 100% Insurance Cover

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